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    Administrative Information
        How the Benefits Handbook Is Used
        Administrative Details about the Plans
        Other Administrative Details
        ERISA, and Your Rights under ERISA
        Summary Plan Descriptions
        Summary Annual Reports
        Plan Summaries
       
Official Plan Documents
        Plan Amendments
        Plan Termination
        Claims, Reviews, and Appeals
        Conversion Rights
        Non-Assignment of Benefits
        About Plan Coverage
        Other Important Information about the Plans
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Official Plan Documents
This Benefits Handbook serves as the official plan document for the following plans:
  • The Basic Life Insurance Plan
  • The Basic Long Term Disability Plan
  • The Business Travel Accident Insurance Plan
  • The Comprehensive Medical Plan ("CMP")
  • The Consumer Directed Health Plan ("CDHP")
  • The Dental Plan
  • The Dependent Care Flexible Spending Account Plan ("DCFSA")
  • The Dependent Children Life Insurance Plan
  • The Employee Assistance Plan ("EAP")
  • The Exclusive Provider Organization Plan ("EPO")
  • Hawaii – HMSA's Health Plan Hawaii Plus ("HMO")
  • Hawaii – HMSA's Preferred Provider Plan ("PPP")
  • The Health Care Flexible Spending Account Plan ("HCFSA")
  • The Health Savings Account ("HSA")
  • The Kaiser Foundation Health Plan, California – North & South ("HMO")
  • The Legal Assistance Plan
  • The Limited Purpose Health Care Flexible Spending Account Plan ("LPHCFSA")
  • The Long Term Care Insurance Plan
  • The Long Term Disability Bonus Income Plan
  • The Optional Life Insurance Plan
  • The Optional Long Term Disability Plan
  • The Personal Accident Insurance Plan
  • The Personal Life Insurance Plan
  • The Preferred Provider Organization Plan ("PPO")
  • The Short Term Disability Plan
  • The Spouse Life Insurance Plan
  • The Vision Care Plan
  • The Vision Discount Program
Life and Accident Insurance, Long Term Care Insurance, Legal Assistance and EAP Plans
The Claims Administrators use the Plans' description in the Benefits Handbook to make determinations on claims for benefits under the Plans. (Should any plan provision described become invalid or unenforceable, it will not affect the validity or enforceability of any other plan provision.) When necessary, the Claims Administrators may also refer to their internal guidelines in making claims/benefits determinations. The Claims Administrators have full discretion and authority to make all such claims/benefits determinations.
How to Obtain Plan Documents
Copies of plan documents and certain related documents such as insurance company contracts and trust agreements, (to the extent applicable) are available to review upon written request to the Plan Administrator or Marsh & McLennan Companies, Inc.'s General Counsel. A copy of any of these documents will be furnished to a plan participant or beneficiary (or an authorized representative) upon request at a reasonable charge of 25 cents per page to cover reproduction and handling. Note that this Benefits Handbook constitutes the plan document, as applicable.
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MMC Companies spacer Benefits effective June 6, 2008
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